Between 7 percent and 9 percent of the roughly 200,000 U.S. Covid-19 deaths so far are believed to stem from take-home infections and the lawsuits could cost businesses up to $21 billion if the number of Americans fatalities reaches 300,000, according to Praedicat, a firm that evaluates risks for insurers. … The U.S. workers compensation system generally makes it difficult for workers to sue for Covid-19. The system caps liability for businesses and bars costly lawsuits in return for quick payments to employees, who do not need to prove fault.